Auto dealership insurance, written by class specialists.
Garage liability, garagekeepers, dealer open lot, and F&I E&O for franchised and independent dealers. Lower broker commissions and 24-hour turnaround.
Why Delegance Brokerage
Achieve an average of 60% reduction in commission costs.
Most brokers bake 15–20% commission into your premium. We negotiate ours down and shop the risk across the carriers actually competing for your class. Identical coverage, lower spend.
Reduction in broker commissions vs traditional firms
Annual savings for our largest single client
From submission to quotes back, on most classes
How it works
Onboard in minutes. Quotes in 24 hours.
- 01
Save up to 60% on broker commissions vs traditional dealer brokers.
- 02
Open-lot inventory limits sized to actual on-the-lot value, refreshed each renewal as your floor turns.
- 03
F&I E&O wording reviewed against your finance and aftermarket-product practices.
Carriers we shop in Dealerships
Coverage
What we quote in Dealerships
Garage Liability
Combined GL + auto liability for dealer operations, including test drives and customer-facing exposure.
Garagekeepers
Customer vehicles in your care for service, detail, or trade-in evaluation.
Dealer Open Lot
Inventory while held for sale. Hail, theft, vandalism. Limits actually sized to current floor value.
F&I Errors & Omissions
Professional liability for finance, insurance, and aftermarket product sales.
Workers Compensation
Sales, service tech, and detail class-code splits with ex-mod review.
Cyber Liability
DMS breach, customer-data exposure, and ransomware coverage.
Frequently Asked
Dealerships insurance questions, answered.
What does dealership insurance typically cost?
Premium depends on franchise vs. independent, new vs. used mix, average inventory value, lot size, service-and-repair volume, F&I activity, state, and prior loss history. A franchised import dealer with a 200-unit lot prices very differently than an independent used-car operation. Final cost is subject to underwriting and the dealer-class carriers writing your state.
What's the difference between garage liability and garagekeepers?
Garage liability is a combined GL and auto-liability form for dealer operations — premises exposure, customer interactions, and liability arising from vehicles owned or operated by the dealership including test drives. Garagekeepers covers physical damage to customer vehicles in your care, custody, or control while in for service, detail, or trade-in evaluation — an exposure the GL excludes. You need both; they don't overlap.
Why do open-lot inventory limits matter?
Dealer open-lot covers inventory while held for sale against hail, theft, and vandalism. The limit is typically a per-vehicle and an aggregate cap — set the aggregate too low and a single hailstorm wipes out a season's profit; set it too high and you overpay every month. We refresh the open-lot limit at each renewal against actual current floor value rather than carrying last year's number forward.
What policies does a dealership need?
A typical dealership program includes Garage Liability, Garagekeepers, Dealer Open Lot, F&I E&O, Workers Compensation with proper class-code splits, Cyber for DMS exposure, and EPLI for sales-staff turnover risk. Coverage is subject to underwriting.
How fast can I get a Certificate of Insurance for the manufacturer or floor-plan lender?
Standard ACORD 25 certificates issue in seconds through the portal, ChatGPT, Claude, Slack, email, or phone. Custom holder language (additional insured, loss payee, waiver of subrogation) is typically produced within minutes after a licensed broker confirms the wording. There is no per-COI fee.
How does Delegance reduce broker commissions?
Routine work — intake, COIs, endorsements, policy Q&A, renewal triage — runs through Orin, our insurance-specialized language model. Licensed brokers focus on judgment work like carrier selection, complex coverage, and claim advocacy. Across the customer base we average a 60 percent reduction in broker commission cost versus a typical dealer broker. That is an average, not a guarantee.
See what your number looks like.
Send your current declarations page or answer a few questions. We'll have quotes from the carriers competing for your class within 24 hours.
No call required. A licensed broker reads every submission.
Reach us how you work
Same conversation across every channel.
Dealerships insurance guides
From the brokers who place the class
The garage policy decoded: how dealership insurance actually fits together
Garage liability, garagekeepers, and dealer open lot cover different vehicles in different situations — the gaps between them are where disputes live.
Read the guide →Test drives, dealer plates, and employee drivers: the auto exposure nobody owns until the claim
Who is covered when customers test drive, employees move inventory, and demos go home at night — plus the procedures dealer underwriters expect.
Read the guide →Other industries we serve
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